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While 14 % of the world's working-age population currently lives in sub-Saharan Africa (SSA), this figure will predictably be higher than the rest of the world combined by 2036. If this demographic group finds meaningful employment, Africa experiences an economic and social upswing. To tap this potential, the paper intends to answer the research question, "What are the prerequisites and how are they defined for the successful implementation of sustainable business model ideas in SSA?", by developing a top ten ranking consisting of previously identified sustainable business model ideas best suited for productive use. This achieves a novel approach to implementing future-oriented business models and contributes to current research on sustainable models. Since the geographical scope of SSA is pervasive, this paper focuses on Namibia, Rwanda, Senegal, and Uganda. An extensive literature review on these countries was conducted to gain a broader understanding of the situation in SSA. Additionally, research was carried out on the agricultural, energy, and information and communications technology (ICT) sectors to identify the most promising ideas. To contribute to current knowledge, experts were interviewed, and panel discussions were analyzed. Furthermore, the Business Model Canvas (BMC) was combined with the circular economy concept, which served as a framework for the business model ideas. Experts evaluated these ideas, which were subsequently ranked using fuzzy logic with artificial intelligence, based on the system for exploring country risks (CRISK-Explorer). The paper shows that skipping individual development processes opens up promising opportunities, such as the ICT-based business model e-crowd logistics or the renewable energy-based model e-Boda-Boda. Seven prerequisites for the successful implementation of these ideas were identified and defined: value delivery, promising customers, sufficient capital, presence of key resources, possibility to perform the key activities, sustainability, and profitability. The paper concludes by identifying limitations and suggesting avenues for future research.
Until recently, studies regarding e-banking transactions have focused more on motivational factors that trigger the intention to accept and use the e-banking transaction, rather than the de-motivational factors that propel the action. However, in the developing countries like Sub-Sahara economies, the factors associated with the former have not been explored and are still rudimentary in the literature. Drawing from the Technology Threat Avoidance Theory (TTAT), the study seeks to examine the impact of online identity theft on customers’ willingness to engage in e-banking transactions in Ghana. A quantitative survey of 393 valid responses from retail bank customers amongst two leading commercial banks in Ghana for the analyses. Results from the PLS-SEM showed that the research constructs; perceived online identity theft’ positively and significantly predict “fear of financial loss”, “fear of reputational damage”, and “security and privacy concern” whilst the former has a negative mediated-relationship between perceived online identity theft and the intention to engage in e-banking transaction. This study is the first of its kind that has extended the application of the TTAT framework into the study of e-banking transactions. The study serves as a practical tool that will enable the banks in their quest to assess customers’ restriction/aversion towards the use of Fintech while ensuring sustainable growth of e-banking transactions in an emerging economy context. The study is limited to only banking institutions in Ghana without considering other players in the financial sub-sector. Future research direction has been suggested in the concluding part of the paper.